Here's an excellent question that a pet parent asked us recently.
If I have a policy and then my cat develops a condition like diabetes, would coverage for that be excluded when I renew each year after that?
Answer: It depends on the policy choice you make. If you take the Continuing Care endorsement, the diabetes is covered as long as you pay your premiums (up to a maximum that is one quarter of your total annual maximum); however, if you do not choose the Continuing Care endorsement, the diabetes would become a pre-existing condition at renewal.
We do highly recommend taking the Continuing Care endorsement but we offer the choice as the endorsement adds more cost to the policy.